Methods and systems to automatically generate insurance policy data based upon life event data

ABSTRACT

Methods and systems are provided to automatically generate insurance policy data and/or update insurance policies. More particularly, methods and systems are provided to automatically generate insurance policy data and/or update insurance policies based upon life events and/or life event data. The life events and/or life event data may be representative of personal changes and/or life events (e.g., marriage; child birth; divorce; personal injury; purchase of a house; purchase of a vehicle; adoption; move to a different home, apartment, or state; employment change; health change; etc.) related to an insured person. The life events and/or life event data may automatically lead to providing insurance recommendations and/or adjusting insurance policies that provide insurance-based cost savings to insurance customers, more appropriate insurance coverage given the new circumstances, and/or enhance the customer experience. The insurance policies may be auto, home, renters, personal articles, life, health, pet, and/or other types of insurance policies.

CROSS REFERENCE TO RELATED APPLICATION

This application claims priority, under 35 U.S.C. § 119(b), to U.S.Provisional Patent Application Ser. No. 62/111,374, filed on Feb. 3,2015, entitled Methods and Systems to Automatically Generate InsurancePolicy Data Based Upon Life Event Data, and to U.S. Provisional PatentApplication Ser. No. 62/151,577, filed on Apr. 13, 2015, entitledMethods and Systems to Automatically Generate Insurance Policy DataBased Upon Life Event Data, the entire disclosures of which areincorporated herein by reference. This application is related toco-pending U.S. patent application Ser. No. 15/007,950, filed on Jan.27, 2016, entitled Methods and Systems to Automatically GenerateInsurance Policy Data Based Upon Life Event Data.

TECHNICAL FIELD

The present disclosure generally relates to methods and systems toautomatically generate insurance policy data. More particularly, thepresent disclosure relates to methods and systems to automaticallygenerate life event data and/or insurance policy data (and/or adjustinsurance policies) based upon life event data or life events.

BACKGROUND

Insurance customers may have an insurance policy, or insurance policies,that cover a wide range of items, such as vehicles, homes, life, health,etc. An associated insurance policy rate may be based upon a number oflife events, such as a change in marital status of an insured customer,type of vehicle(s) owned by the insured customer, employment of theinsured, employment of a spouse of an insured customer, a number ofchildren of the insured customer, a number of vehicles owned by theinsured customer, etc.

Currently, when an insurance customer incurs a change via a life event,the insurance customer may contact an insurance agent or representative,and then the insurance agent or representative may make associatedadjustments to a corresponding insurance policy. The insurance agents orrepresentatives may rely on training, along with both written andnon-written procedures, for interacting with customers, and submittingpolicy transactions.

SUMMARY

In one aspect, a computer implemented method for automaticallygenerating insurance policy data may include automatically receiving, ata processor of a computing device, life event data from an electronicdevice, in response to the processor executing a life event datareceiving module. The life event data may be representative of a lifeevent of an insurance customer. The method may also includeautomatically generating, using a processor of a computing device,insurance policy data, based upon the life event data, in response tothe processor executing an insurance policy data generation module. Theinsurance policy data may be representative of an insurance policyincorporating the life event of the insurance customer.

In another aspect, a computer system for automatically generatinginsurance policy data may include a life event data receiving modulestored on a memory that, when executed by a processor of a computingdevice, causes the processor to automatically receive life event data.The life event data may be representative of a life event of aninsurance customer. The system may also include an insurance policy datageneration module stored on a memory that, when executed by a processorof a computing device, causes the processor to automatically generateinsurance policy data, based upon the life event data. The insurancepolicy data may be representative of an insurance policy incorporatingat least one life event of the insurance customer.

In another aspect, a non-transitory computer-readable medium storinginstructions that, when executed by a processor of a computing device,may cause the processor to automatically generate insurance policy dataand may include a life event data receiving module that, when executedby a processor of a computing device, may cause the processor toautomatically receive life event data. The life event data may berepresentative of a life event of an insurance customer. Thenon-transitory computer-readable medium may also include an insurancepolicy data generation module that, when executed by a processor of acomputing device, may cause the processor to automatically generateinsurance policy data, based upon the life event data. The insurancepolicy data may be representative of an insurance policy incorporatingat least one life event of the insurance customer.

Advantages will become more apparent to those of ordinary skill in theart from the following description of the preferred embodiments whichhave been shown and described by way of illustration. As will berealized, the present embodiments may be capable of other and differentembodiments, and their details are capable of modification in variousrespects. Accordingly, the drawings and description are to be regardedas illustrative in nature and not as restrictive.

BRIEF DESCRIPTION OF THE DRAWINGS

The Figures described below depict various aspects of the systems andmethods disclosed herein. It should be understood that each Figuredepicts an embodiment of a particular aspect of the disclosed systemsand methods, and that each of the Figures is intended to accord with apossible embodiment thereof. Further, wherever possible, the followingdescription refers to the reference numerals included in the followingFigures, in which features depicted in multiple Figures are designatedwith consistent reference numerals.

There are shown in the drawings arrangements which are presentlydiscussed, it being understood, however, that the present embodimentsare not limited to the precise arrangements and instrumentalities shown,wherein:

FIG. 1 depicts an exemplary user interface for use in automaticallygenerating life event data and/or insurance policy data based upon lifeevent data and/or life events;

FIG. 2 depicts an exemplary user interface for use in automaticallygenerating life event data and/or insurance policy data based upon lifeevent data and/or life events;

FIG. 3 depicts an exemplary user interface for use in automaticallygenerating life event data and/or insurance policy data based upon lifeevent data and/or life events;

FIG. 4 depicts an exemplary user interface for use in automaticallygenerating life event data and/or insurance policy data based upon lifeevent data and/or life events;

FIG. 5 depicts a high-level block diagram for an exemplary computersystem for automatically generating life event data and/or insurancepolicy data based upon life event data and/or life events;

FIG. 6 depicts a block diagram for an exemplary client device forautomatically generating life event data and/or insurance policy databased upon life event data;

FIG. 7 depicts a block diagram for an exemplary remote computing devicefor automatically generating life event data and/or insurance policydata based upon life event data and/or life events;

FIG. 8 depicts a flow diagram for an exemplary method for automaticallygenerating life event data and/or insurance policy data based upon lifeevent data and/or life events;

FIG. 9 depicts a flow diagram for an exemplary method for automaticallygenerating life event data and/or insurance policy data based upon lifeevent data and/or life events;

FIG. 10 depicts a flow diagram for an exemplary method for automaticallygenerating life event data and/or insurance policy data based upon lifeevent data and/or life events;

FIG. 11 depicts a flow diagram for an exemplary method for automaticallygenerating life event data and/or insurance policy data based upon lifeevent data and/or life events;

FIG. 12 depicts a flow diagram for an exemplary method for automaticallygenerating life event data and/or insurance policy data based upon lifeevent data and/or life events; and

FIG. 13 depicts a flow diagram for an exemplary method for automaticallygenerating life event data and/or insurance policy data based upon lifeevent data and/or life events.

The Figures depict preferred embodiments for purposes of illustrationonly. One skilled in the art will readily recognize from the followingdiscussion that alternative embodiments of the systems and methodsillustrated herein may be employed without departing from the principlesof the invention described herein.

DETAILED DESCRIPTION

Methods and systems for automatically generating life event data, and/orinsurance policy data based upon life event data and/or life events, mayemploy consistent behaviors allowing customers to update their insuranceinformation either online or via an associate due to a life event.Alternatively, or additionally, the methods and systems mayautomatically obtain life event data, and may automatically generateinsurance policy data based upon the automatically obtained life eventdata or notifications of life events. For example, the methods andsystems may automatically obtain life event data from various life eventdata sources (e.g., a bureau of motor vehicles, a court, a country, astate, a county, a local municipality, a government agency, serviceproviders, cable companies, medical services providers, hospitals,police or fire departments, veterinary clinics, new papers, internetwebsites or webpages, third party databases, merchants, onlineretailers, car dealerships, etc.) with the permission of the insured,such as based upon an indication received by the insured that they wouldlike to opt-in to an insurance program that automatically providesinsurance cost savings and/or recommendations based upon life events.

The methods and systems may utilize an insurance customer user interface(e.g., an “Event Wizards” to navigate the customer and/or insuranceagent or representative through common consideration points that may bedesigned to increase completeness and consistency of an associatedinteraction, and the resulting data. Thereby, the methods and systemsmay result in higher data quality, increased customer satisfaction,and/or reduced cost, via consistent behaviors and communications.Automation of common procedures, triggered by customers' life events,may reduce computer processing times, memory requirements and/or relatedfacilities. Using the methods and systems, insurance customers may benavigated through consistent processes, focused on relevant informationto the life event, and correlated with impacts to the insurance customerand related agreement information.

Customers may interact with the insurance provider, due to life events,for various reasons. Often times, when a customer finds themselvescontacting an insurance provider, they may know their own information,but are unaware of what to communicate, and/or why/how the informationmatters. By utilizing an “Event Wizards” to navigate thecustomer/insurance Agent through common consideration points, associatedcompleteness and consistency of the interaction, and/or resulting datamay be improved. Thus, resulting in higher data quality, increasedcustomer satisfaction, enhanced customer experience, and/or reducedcost.

In an exemplary circumstance, a customer may indicate that they havegotten married (i.e., a marriage life event). The systems and methodsmay, via an associated user interface, inquire as to whether there was aname change. If a gender of the insurance customer is female, thesystems and methods may determine that there is an increased likelihoodof surname change. The methods and systems may further inquire as towhether there was an address change. The systems and methods maydetermine that marriage has an increased likelihood of one or bothassociated parties having relocated. In other words, the methods andsystems may generate questions based upon a given life event change(e.g., marital status).

The systems and methods may also determine whether the associated spouseis a customer (i.e., may find or create a party for association).Thereby, the systems and methods may automatically update personalrelationships (i.e., a life event may indicate a spousal relationshipand potential dependency relationships) based upon associated life eventdata. Accordingly, the methods and systems may automatically determinewhether there insurance policies that need updates (e.g., newrelationships may effect policy owners, beneficiaries, etc.) based uponassociated life event data. A life event may also effect or impact aninsurance rating, an insurance premium, and/or insurance discounts(e.g., multiline insurance or multi-vehicle insurance).

The methods and systems may automatically determine that insurancepolicy transfers are needed due to, for example, a state/boundary change(e.g., auto and fire have to transfer due to state boundaries) basedupon associated life event data and/or life event (such as a move to newaddress or new state). The systems and methods may automaticallydetermine an insurance agent reassignment, due to, for example,state/boundary change (e.g., state-product licenses, distance fromexisting agent, etc.), based upon associated life event data and/or lifeevent.

The systems and methods may automatically determine whether a newcustomer's needs (e.g., missing or too much insurance coverage,decreased or increased insurance risk, and/or financial changes) basedupon associated life event data and/or life events (e.g., age, maritalstatus, education status, employment status, etc.). The systems andmethods may automatically determine whether new marketing opportunitiesexist (e.g., once servicing is complete, up-sell, cross-sell and/orpivot products) based upon associated life event data and/or life events(e.g., new spouse, new child, new dependent, changes to health or lifestyle, new purchases or personal belongings, new pets, births, deaths,moves, etc.).

The systems and methods may automatically determine that sub-lifeevents, or correlating life events, exist based upon initial life eventdata, and/or sub-life events may be recognized during an associatedcustomer interaction. Thus, resulting in multiple interactions andcontinued consideration points, as new information is collected and asthe insurance customer and/or agent or representative is navigated viathe “Event Wizard.” The methods and systems may automatically presentcustomer event driven decision/direction/considerations which, mayinclude common events such as: addition or reduction of insurancecoverage; the insurance customer purchased a vehicle/property/object;the insurance customer traded/switched/sold a vehicle/property/object;the insurance customer moving—change of address; changes in householdmembers; marriage/divorce/separation; a new child—birth and adoption;college or extended education relationships/locations; dependentsleaving and becoming independents; returning members—adult children andelders; insurance claims; change of employment; new pets; and/orfinancial considerations.

Insurance policies, premiums, rates, discounts, etc. may be adjusted,generated, or generated based upon the life events and/or life eventdata or information gathered. The insurance policies may relate to auto,home, life, health, personal articles, personal property, pet, burial,and/or other types of insurance.

Exemplary User Interface for Automatically Generating Life Event Dataand/or Insurance Policy Data Based Upon Life Events

Turning to FIG. 1, a user interface for automatically generating lifeevent data and/or insurance policy data (and/or insurance policies,quotes, pricing, discounts, etc.) based upon life event data and/or lifeevents 100 may be generated by, for example, a processor (e.g.,processor 525 of client device 505 of FIG. 5) executing, for example, auser interface module (e.g., life event user interface generation module610 of FIG. 6).

The user interface 100 may include a title 105 (e.g., customer search SFEBR 144), a minimize screen size selection icon 106, a maximize screensize selection icon 107, an exit selection icon 108, a screen scroll barselection 109, a help on this page selection link 111, a customer searchinformation area 110 having a create individual customer selectable link115, a create organization customer selectable link 120, a search byselection 125 area, and/or a found presentation area 180. The searchselection area 125 may include a name (companywide) selection 130, aname (book of business) selection 135, a phone selection 140, anaccount/policy selection 145, an individual selection 150, anorganization selection 155, a last name entry field 160 with an exactmatch selection 161, a first name entry field 163 with an exact matchselection 164, a middle name entry field 165, zip/postal code entryfield 162, a state/province pull-down selection menu 167, a city entryfield 168 with an exact match selection 169, a search selection icon170, and/or a clear selection icon 175. The found area 180 may include aname column 181, a street column 182, a city, state column 183, azip/postal column 184, a birth data column 185, an other names column186 and/or a servicing agent(s) column 187.

Once information associated with items 130-169 is selected/entered andthe search selection icon 170 is activated, information associated withany/all individuals/organizations, that meet the criteria of items130-169, may be displayed in the found area 180 columns or lists181-187. The user interface 100 may include additional, less, oralternate functionality, including that discussed elsewhere herein.

Exemplary User Interface for Automatically Generating Life Event Dataand/or Insurance Policy Data Based Upon Life Events

With reference to FIG. 2, a user interface for automatically generatinglife event data and/or insurance policy data (and/or insurance policiesquotes, pricing, discounts, etc.) based upon life event data and/or lifeevents 200 may be generated by, for example, a processor (e.g.,processor 525 of client device 505 of FIG. 5) executing, for example, auser interface module (e.g., life event user interface generation module610 of FIG. 6).

The user interface 200 may include a title 205, an insurance customername selection link 210, a telephone number/email 215 field, aninsurance customer name list area 220 with customer information 225, aninsurance customer address list area 230, an insurance customer phonelist area 245, an insurance customer email list area 255, and/or apersonal information area 260. The insurance customer address list area230 may include an add address selection link 235, a name column 236, acity, state column 237, a zip/postal column 238, a usage column 239and/or a notes column 240. The insurance customer phone list area 245may include an “add phone number” selection link 246, a preferredlanguage selection link 247, a hearing impaired selection link 248, atelephone type column 249 (e.g., home, work, cell, etc.), a telephonenumber column 250, and/or a calling preference column 251 (e.g., day,evening, at home, etc.). The insurance customer email list area 255 mayinclude an email address column 256 with email link(s) 258, and/or amarketing permissions column 259.

The personal information area 260 may include an update selection link261, a relationship to agent: prospect column 262 (e.g., currentcustomer, neighbor, friend, etc.), an age entry 263, a birth date entry264, a gender entry 265, a driver's license state/province entry 266, adriver's license number entry 267, a marital status entry 268, a socialsecurity number entry 269, a living arrangement entry 270 (e.g., ownhome, rent, live with parents, etc.), a citizenship entry 271, a firstyear with insurance company entry 272, a customer category entry 273,household income entry 274, and/or a death date/information area 275.

As reflected in FIG. 2, the user interface 200 may receive informationrelated to a spouse of a customer and, in response, may find or create aparty for association. An insurance customer may use the user interface200 to update personal relationships (e.g., a driving life event mayindicate spousal relationship and/or potential dependencyrelationships). The user interface 200 may include additional, less, oralternate functionality, including that discussed elsewhere herein.

Exemplary User Interface for Automatically Generating Life Event Dataand/or Insurance Policy Data Based Upon Life Events

Turning to FIG. 3, a user interface for automatically generating lifeevent data and/or insurance policy data (and/or insurance policiesquotes, pricing, discounts, etc.) based upon life event data and/or lifeevents 300 may be generated by, for example, a processor (e.g.,processor 525 of client device 505 of FIG. 5) executing, for example, auser interface module (e.g., life event user interface generation module610 of FIG. 6).

The user interface 300 may include a title 305, a screen minimizeselection icon 306, a screen maximize selection icon 307, an exitselection icon 308, phone entry 310, an email 311, a customer householdsselection tab 315, a households selection tab 320, a customer selectiontab 325, an application quotation selection tab 330, an activitiesselection tab 335, a marketing selection tab 340, a page actionsselection icon 345, a with insurance company information banner (e.g.,auto, home, fire, life, health, mutual fund, bank, etc.), a previousreview selection link 347, a next review selection link 348, a help onthis page selection link 349, an assign staff selection link 350, a withother companies information banner 351 (e.g., auto, home, fire, life,health, mutual fund, bank, etc.), an add products with other selectionslink 352, and/or a production manager selection link 353.

The user interface 300 may also include an insurance selection tab 365,a bank selection tab 366, a mutual funds selection tab 367, an insurancecompany policy selection tab 368, a products with other selection tab369, and/or an inactive policies selection tab 370. Each selection tab365-370 may include a description field 355. For example, the insuranceselection tab 365 may include a description column 355 having an autoentry 356, a first vehicle 357, a second vehicle 358, a fire entry 359,a home owners policy 360, a rental dwelling policy special form entry361, a life entry 362, a special ordinary entry 363, a number column364, a gender identifier column 371, a name column 372, an agent column,and/or a status column 373 with a first status 375, a second status 376,a third status 377, a fourth status 378, and/or a fifth status 379.

The user interface 300 may further include a comments area 380 with, forexample, a click inside to edit instruction, an active actions area 382with an active actions selection tab 381, a due column 383, a createdcolumn 384, a modified column 385, a status column 386, a customercolumn 387, a description column 388, a line column 389, an assigned tocolumn 390, a documents selection icon 391, and/or a member actions area393 with a member actions selection tab 392.

As reflected in FIG. 3, an insurance customer may determine whetherthere are insurance policies needing updates (e.g., policy transactions(PT)) via the user interface 300. For example, a name/address (e.g.,previously captured information) may be used to establish newrelationships that may affect policy owners, beneficiaries, etc. Theuser interface 300 may include additional, less, or alternatefunctionality, including that discussed elsewhere herein.

Exemplary User Interface for Automatically Generating Life Event Dataand/or Insurance Policy Data Based Upon Life Events

With reference to FIG. 4, a user interface for automatically generatinglife event data and/or insurance policy data (and/or insurance policiesquotes, pricing, discounts, etc.) based upon life event data and/or lifeevents 400 may be generated by, for example, a processor (e.g.,processor 525 of client device 505 of FIG. 5) executing, for example, auser interface module (e.g., life event user interface generation module610 of FIG. 6).

The user interface 400 may include a title 405 (e.g., life eventwizard), a marriage or divorce option 410 with selection 411, an add orremove vehicle option 415 with selection 416, a birth or adoption 420with selection 421, and/or a change jobs or employer option 425 withselection 426. The user interface 400 may include additional, less, oralternate functionality, including that discussed elsewhere herein.

Exemplary Computer System for Automatically Generating Life Event Dataand/or Insurance Policy Data Based Upon Life Events

Turning to FIG. 5, a computer system for generating insurance policydata based upon life events and/or life event data 500 may include aclient device 505 in communication with a remote computer device (e.g.,a server) 510 via a network 515. The computer system 500 may implementcommunications between the client device 505 and the remote computingdevice 505 (e.g., a remote server) to provide, for example, life eventdata to an insurance related database 560.

For example, the computer system 500 may acquire life event data from,for example, a user of a client or mobile device 505 (e.g., a smartphone, a digital camera, smart watch, smart glasses, wearableelectronics, laptop, etc.). Alternatively, or additionally, life eventdata may be automatically obtained from a third party data source (e.g.,a bureau of motor vehicles, a court, a country, a state, a county, alocal municipality, a government agency, a utility provider, a cablecompany, a phone company, etc.) with the permission of the insured, suchas receiving a notification from the insured that they would like toopt-in to an insurance program that automatically provides insurancesavings and/or recommendations based upon life events.

As described in detail herein, the computer system 500 may automaticallygenerate insurance policy data based upon, for example, life eventsand/or life event data. The life events and/or life event data, may berepresentative, for example, a marriage, a divorce, a child birth, aname change, a vehicle purchase, a vehicle sale, a house purchase, ahome sale, an adoption, a change in employment, a change in employer, amove into a new apartment or home, a move to a different state, etc.

For clarity, only one client device 505 is depicted in FIG. 5. WhileFIG. 5 depicts only one client device 500, it should be understood thatany number of client devices 505 may be supported and that each clientdevice 505 may be any appropriate computing or mobile device, such as amobile telephone, a smartphone, a personal data assistant (PDA), atablet, a phablet, a pager, a smart watch, a smart bracelet, wearableelectronics, and/or a lap-top computer. A client device 505 may includea memory 520 and a processor 525 for storing and executing,respectively, a module 521. The module 521, stored in the memory 520 asa set of computer-readable instructions, may be related to anapplication for generating life event data and/or insurance policy databased upon life events and/or life event data that, when executed on aprocessor 525, causes data representative of life events, and/or datarepresentative of insurance policies based upon a change in life events,to be stored in the memory 520.

As described in detail herein, the module 521 may facilitate interactionbetween an associated client device 505 and a remote computing device510. For example, the processor 525, further executing the module 521,may facilitate communications between a remote computing device 510 anda client device 505 via a network interface 540 and a network 515.

A client or mobile device 505 may include a display device 535 which maybe any type of electronic display device, such as a liquid crystaldisplay (LCD), a light emitting diode (LED) display, a plasma display, acathode ray tube (CRT) display, or any other type of known or suitableelectronic display. A display device 535 may exhibit a display whichdepicts a user interface for configuring a client device 505 tocommunicate with a remote computing device 510. A client device 505 mayinclude a user input device 530, such as a touch input/keyboard/pointingdevice (e.g., a mouse) that provides a mechanism for a user of theclient device 505 to launch a client device insurance application and,for example, to interact with a system for generating insurance policydata (and/or insurance policies quotes, pricing, discounts, etc.) basedupon life events and/or life event data. The user input device 530 maybe configured as an integral part of a display device 535, such as atouch screen display device.

The network interface 540 may be configured to facilitate communicationsbetween a client device 505 and a remote computing device 510 via anywireless communication network 515, including for example a wirelessLAN, MAN or WAN, WiFi, the Internet, or any combination thereof.Moreover, a client device 505 may be communicatively connected to aremote computing device 510 via any suitable communication system, suchas via any publicly available or privately owned communication network,including those that use wireless communication structures, such aswireless communication networks, including for example, wireless LANsand WANs, satellite and cellular telephone communication systems, etc. Aclient device 505 may cause, for example, life event(s) data to betransmitted to, and stored in, for example, a remote server 510, memory545, and/or a remote insurance related database 560.

A remote computing device 510 may include a memory 545 and a processor550 for storing and executing, respectively, a module 546. The module546, stored in the memory 545 as a set of computer-readableinstructions, may facilitate applications related to generatinginsurance policy data based upon life event(s) data. The module 546 mayalso facilitate communications between the remote computing device 510and a client device 505 via a network interface 555 and the network 515,and other functions and instructions.

A remote computing device 510 may be communicatively coupled to aninsurance related database 560. While the insurance related database 560is shown in FIG. 5 as being communicatively coupled to the remotecomputing device 510, it should be understood that the insurance relateddatabase 560 may be located within separate remote servers (or any othersuitable computing devices) communicatively coupled to the remotecomputing device 510. Optionally, portions of insurance related database560 may be associated with memory modules that are separate from oneanother, such as a memory 520 of a client device 505.

Exemplary Client Device for Generating Life Event Data and/or InsurancePolicy Data Based Upon Life Events or Life Event Data

With reference to FIG. 6, a client or mobile device 600 may include alife event user interface generation module 610, a life event datareceiving module 615, a life event data transmission module 620, and/ora life event presentation module 625 stored on, for example, a memory605. The client or mobile device 600 may be similar to the client ormobile device 505 of FIG. 1, and/or may include additional, less, oralternate functionality as that discussed elsewhere herein.

Exemplary Remote Computing Device for Automatically Generating LifeEvent Data and/or Insurance Policy Data Based Upon Life Events and/orLife Event Data

Turning to FIG. 7, a remote computing device 700 may include life eventdata receiving module 710, a bureau of motor vehicle (BMV) datareceiving module 715, a court data receiving module 720, a municipaldata receiving module 725, an obituary data receiving module 730, anemployment data receiving module 735, a medical data receiving module740, an adoption data receiving module 745, an automatic life event datageneration module 750, and/or a life event data transmission module 755stored on, for example, a memory 705. The remote computing device 700may be similar to, for example, the remote computing device 510 of FIG.5, and/or may include addition, less, or alternate functionality as thatdiscussed elsewhere herein.

Exemplary Method for Automatically Generating Life Event Data and/orInsurance Policy Data Based Upon Life Event Data

With reference to FIG. 8, a method of automatically generating lifeevent data and/or insurance policy data (and/or insurance policiesquotes, pricing, discounts, etc.) based upon life event data 800 may beimplemented by a first processor (e.g., processor 525 of client device505 of FIG. 5) executing, for example, at least a portion of modules610-625 of FIG. 6, and/or a second processor (e.g., processor 550 ofremote computing device 510 of FIG. 5) executing, for example, at leasta portion of modules 710-755 of FIG. 7. In particular, processor 525 mayexecute a life event user interface generation module 610 to cause theprocessor 525 to cause the processor 525 to enable an insured to notifyan insurance provider of a life event via, for example, a website or atelephone (block 805).

Alternatively, or additionally, processor 550 may execute a module(e.g., any one of modules 715-745) to cause the processor 550 toautomatically detect an actual life event from analysis of data receivedfrom a data source (e.g., a bureau of motor vehicles data source, acourt data source, a marriage records data source, an obituaries datasource, a government agency data source, etc.), such as with aninsured's permission to monitor for life events that may provide themwith insurance recommendations and/or insurance cost savings (block810). Alternatively, or additionally, processor 550 may execute a module(e.g., any one of modules 715-745) to cause the processor 550automatically predict a life event from data mined from at least onedata source (e.g., an insurance provider data source), such as with aninsured's permission to monitor for life events that may provide themwith insurance recommendations and/or insurance cost savings (block815).

The processor 550 may execute an automatic life event data generationmodule 750 to cause the processor 550 to automatically update aninsurance rating based upon a live event and/or may determine an impactof a life event on an insured and/or an associated insurance policybased upon the life event data (block 820). The processor 550 mayexecute an automatic life event data generation module 750 to cause theprocessor 550 to automatically determine whether to create a newinsurance policy or to update an existing policy based upon the lifeevent data (block 830).

The processor 550 may execute an automatic life event data generationmodule 750 to cause the processor 550 to automatically determine ifthere is at least one gap in insurance coverage for an existinginsurance customer based upon the life event data (block 835). Theprocessor 550 may execute an automatic life event data generation module750 to cause the processor 550 to automatically determine if there is atleast one gap in insurance coverage for a new insurance customer basedupon the life event data (block 840).

The processor 550 may execute an automatic life event data generationmodule 750 to cause the processor 550 to automatically determine whetherthere is at least one cross insurance selling opportunity based upon thelife event data (block 845). The processor 550 may execute an automaticlife event data generation module 750 to cause the processor 550 togenerate insurance policy data (blocks 820-845), and may execute a lifeevent data transmission module 755 to transmit the life event dataand/or the insurance policy data to, for example, a client device (e.g.,client device 505 of FIG. 5) (block 755). The processor 525 may executea life event data receiving module 615 to cause the processor 525 toreceive the life event data and/or the insurance policy data. Theprocessor 525 may execute a life event presentation module 625 to causethe processor 525 to present options and/or recommendations to aninsured for approval and/or changes (block 850). The method 800 mayinclude additional, less, or alternate functionality, including thatdiscussed elsewhere herein.

Exemplary Method for Automatically Generating Life Event Data and/orInsurance Policy Data Based Upon Life Event Data

Turning to FIG. 9, a method of automatically generating life event dataand/or insurance policy data (and/or insurance policies quotes, pricing,discounts, etc.) based upon life events and/or life event data 900 maybe implemented by a first processor (e.g., processor 525 of clientdevice 505 of FIG. 5) executing, for example, at least a portion ofmodules 610-625 of FIG. 6, and/or a second processor (e.g., processor550 of remote computing device 510 of FIG. 5) executing, for example, atleast a portion of modules 710-755 of FIG. 7.

In particular, processor 525 may execute a life event user interfacegeneration module 610 to cause the processor 525 to access, for example,an insurance provide website (block 905). The processor 525 may executea life event data receiving module 615 to cause the processor 525 tocheck for life events (block 910). Alternatively, the processor 525 mayexecute the life event data receiving module 615 to receive life eventdata from a third party data source (e.g., a bureau of motor vehiclesdata source, a court data source, a marriage records data source, anobituaries data source, a government agency data source, etc.), such aswith an insured's permission to monitor for life events that may providethem with insurance recommendations and/or insurance cost savings (block915).

Alternatively, or additionally, processor 550 may execute a module(e.g., any one of modules 715-745) to cause the processor 550 toautomatically detect an actual life event from analysis of data receivedfrom a data source (e.g., a bureau of motor vehicles data source, acourt data source, a marriage records data source, an obituaries datasource, a government agency data source, etc.), again such as with aninsured's permission to monitor for life events that may provide themwith insurance recommendations and/or insurance cost savings (block915).

The processor 525 may execute the life event user interface generationmodule 610 to cause the processor 525 to determine whether to generate alife event question based upon the life event data (block 920). If theprocessor 525 determines to generate a life event question (block 920),the processor 525 may execute the life event presentation module 625 tocause the processor 525 to present options based upon the life eventdata (e.g., insurance coverage, limit changes, insurance policy data,financial products, etc.) (block 925). If the processor 525 determinesnot to generate a life event question (block 920), the processor 525 maycontinue the process (block 945).

The processor 525 may execute the life event user interface generationmodule 610 to cause the processor 525 to allow an insurance customer toselect options (block 930). The processor 525 may execute the life eventuser interface generation module 610 to cause the processor 525 to allowan insurance customer to enter preferences to, for example, configuringthe user interface (block 935).

The processor 525 may execute life event data transmission module 620 tocause the processor 525 to transmit life event data and/or insurancepolicy data to, for example, a processor of a remote computing device(e.g., processor 550 of the remote computing device 510 of FIG. 5)(block 940). The processor 550 may execute an automatic life event datageneration module 750 to cause the processor 550 to update an insurancepolicy based upon the life event data and/or the insurance policy data(block 940). The method 900 may include additional, less, or alternateactions, including those discussed elsewhere herein.

Exemplary Method for Automatically Generating Life Event Data and/orInsurance Policy Data Based Upon Life Event Data

With reference to FIG. 10, a method of automatically generating lifeevent data and/or insurance policy data (and/or insurance policiesquotes, pricing, discounts, etc.) based upon life events and/or lifeevent data 1000 may be implemented by a first processor (e.g., processor525 of client device 505 of FIG. 5) executing, for example, at least aportion of modules 610-625 of FIG. 6, and/or a second processor (e.g.,processor 550 of remote computing device 510 of FIG. 5) executing, forexample, at least a portion of modules 710-755 of FIG. 7. In particular,processor 525 may execute the life event user interface generationmodule 610 to cause the processor 525 to retrieve insurance policy dataand/or insurance customer contact preferences (block 1005).

The processor 525 may execute the life event user interface generationmodule 610 to cause the processor 525 to determine whether a life eventhas been triggered (block 1010). If the processor 525 determines that alife event question has been triggered (block 1010), the processor 525may execute the life event presentation module 625 to cause theprocessor 525 to present options based upon the life event data (e.g.,insurance coverage, limit changes, insurance policy data, financialproducts, etc.) (block 1015). If the processor 525 determines that nolife event question has been triggered (block 1010), the processor 525may proceed to insurance customer reviews (block 1020). For example, theprocessor 525 may execute the life event user interface generationmodule 610 to cause the processor 525 to allow an insurance customer toreview options (block 1020).

If the processor 525 determines that an insurance customer wishes tomake changes to preferences (block 1025), the processor 525 may executethe life event user interface generation module 610 to cause theprocessor 525 to allow an insurance customer to enter preferences to,for example, configuring the user interface and/or enter insuranceprovider contact preferences (block 1030). The method 1000 may includeadditional, less, or alternate actions, including those discussedelsewhere herein.

Exemplary Method for Automatically Generating Life Event Data and/orInsurance Policy Data Based Upon Life Event Data

Turning to FIG. 11, a method of automatically generating life event dataand/or insurance policy data (and/or insurance policies quotes, pricing,discounts, etc.) based upon life events and/or life event data 1100 maybe implemented by a first processor (e.g., processor 525 of clientdevice 505 of FIG. 5) executing, for example, at least a portion ofmodules 610-625 of FIG. 6, and/or a second processor (e.g., processor550 of remote computing device 510 of FIG. 5) executing, for example, atleast a portion of modules 710-755 of FIG. 7.

In particular, processor 525 may execute the life event user interfacegeneration module 610 to cause the processor 525 to allow an insurancecustomer to view insurance policies (block 1105). The processor 525 mayexecute the life event user interface generation module 610 to cause theprocessor 525 to determine whether a life event has been triggered(block 1110).

If the processor 525 determines that a life event question has beentriggered (block 1110), the processor 525 may execute the life eventpresentation module 625 to cause the processor 525 to present optionsbased upon the life event data (e.g., insurance coverage, limit changes,insurance policy data, financial products, etc.) (block 1140).Alternatively, if the processor 525 determines that a life eventquestion has been triggered (block 1110), the processor 525 may retrievedeductible options, coverage options, or other information for eachpolicy (block 1115). For example, the processor 525 may execute the lifeevent user interface generation module 610 to cause the processor 525 toask an insurance customer additional questions and/or ask for validationof information based upon life event data (block 1120).

The processor 525 may execute the life event presentation module 625 tocause the processor 525 to present additional questions to an insurancecustomer based upon public record data (block 1125). The processor 525may execute the life event presentation module 625 to cause theprocessor 525 to ask an insurance customer to update an ERC (block1130). The processor 525 may execute the life event presentation module625 to cause the processor 525 to present additional recommendations toan insurance customer (block 1135). The processor 525 may execute thelife event presentation module 625 to cause the processor 525 to presentrating implications of midterm changes (block 1145). The processor 525may execute the life event presentation module 625 to cause theprocessor 525 to present implications of decisions, effective dates, andother policies (block 1150).

A processor 550 may execute an automatic life event data generationmodule 750 to cause the processor 550 to determine whether insuranceunderwriter review is necessary based upon life event data (block 1155).If the processor 550 determines that insurance underwriter review is notnecessary (block 1160), the processor 525 may execute the life eventuser interface generation module 610 to allow the insurance customer toselect at least one option (block 1170). If the processor 550 determinesthat insurance underwriter review is necessary (block 1175), theprocessor 525 may execute the life event user interface generationmodule 610 to allow the insurance underwriter to reject at least oneoption (block 1180), to approve at least one option (block 1185), tosend a notification to the insurance customer of at least one option(block 1190), or to allow the insurance customer to select at least oneoption (block 1195). The method 1100 may include additional, less, oralternate actions, including those discussed elsewhere herein.

Exemplary Method for Automatically Generating Life Event Data and/orInsurance Policy Data Based Upon Life Event Data

With reference to FIG. 12, a method of automatically generating lifeevent data and/or insurance policy data (and/or insurance policiesquotes, pricing, discounts, etc.) based upon life events and/or lifeevent data 1200 may be implemented by a first processor (e.g., processor525 of client device 505 of FIG. 5) executing, for example, at least aportion of modules 610-625 of FIG. 6, and/or a second processor (e.g.,processor 550 of remote computing device 510 of FIG. 5) executing, forexample, at least a portion of modules 710-755 of FIG. 7.

In particular, processor 525 may execute the life event user interfacegeneration module 610 to cause the processor 525 to allow an insurancecustomer to view insurance policies (block 1205). The processor 525 mayexecute the life event user interface generation module 610 to cause theprocessor 525 to determine whether a life event has been triggered(block 1205). If the processor 525 determines that a life event questionhas been triggered (block 1205), the processor 525 may execute the lifeevent presentation module 625 to cause the processor 525 to presentinsurance policies and personal information (e.g., insurance coverage,limit changes, insurance policy data, financial products, etc.) (block1210). The processor 525 may execute a life event data receiving module615 to receive life event data from, for example, a life event datasource (block 1220). The processor 525 may execute the life event userinterface generation module 610 to cause the processor 525 to allow aninsurance customer make a selection on a type of change to make to aninsurance policy (block 1215).

The processor 525 may execute the life event presentation module 625 tocause the processor 525 to present additional options (block 1225). Theprocessor 525 may execute the life event user interface generationmodule 610 to cause the processor 525 to allow an insurance customermake a selection of an option from a list (block 1230). The processor525 may execute an automatic life event data generation module 750 tocause the processor 525 to access an insurance rating engine based uponlife event data (block 1235). The processor 525 may execute the lifeevent presentation module 625 to cause the processor 525 to present arating implication of midterm changes (block 1240).

A processor 550 may execute an automatic life event data generationmodule 750 to cause the processor 550 to determine whether insuranceunderwriter review is necessary based upon life event data (block 1245).If the processor 550 determines that insurance underwriter review is notnecessary (block 1250), the processor 525 may execute the life eventuser interface generation module 610 to allow the insurance customer toselect at least one option (block 1255). If the processor 550 determinesthat insurance underwriter review is necessary (block 1260), theprocessor 525 may execute the life event user interface generationmodule 610 to allow the insurance underwriter to reject at least oneoption (block 1270) and to send a notification to the insurance customerof the at least one rejected option (block 1265), to approve at leastone option (block 1275) and to send a notification to the insurancecustomer of the at least one approved option (block 1280), and/or toallow the insurance customer to select the at least one approved option(block 1285). The method 1200 may include additional, less, or alternateactions, including those discussed elsewhere herein.

Exemplary Method for Automatically Generating Life Event Data and/orInsurance Policy Data Based Upon Life Event Data

Turning to FIG. 13, a method of automatically generating life event dataand/or insurance policy data (and/or insurance policies quotes, pricing,discounts, etc.) based upon life events and/or life event data 1300 maybe implemented by a first processor (e.g., processor 525 of clientdevice 505 of FIG. 5) executing, for example, at least a portion ofmodules 610-625 of FIG. 6, and/or a second processor (e.g., processor550 of remote computing device 510 of FIG. 5) executing, for example, atleast a portion of modules 710-755 of FIG. 7.

In particular, processor 525 may execute the life event user interfacegeneration module 610 to cause the processor 525 to allow an insurancecustomer to view insurance policies (block 1305). The processor 525 mayexecute the life event user interface generation module 610 to cause theprocessor 525 to proactively look at policies and life event data (block1310). The processor 525 may execute the life event presentation module625 to cause the processor 525 to present insurance policies andpersonal information (e.g., insurance coverage, limit changes, insurancepolicy data, financial products, etc.) (block 1320).

The processor 525 may execute a life event data receiving module 615 toreceive life event data from, for example, a life event data source(block 1315). The processor 525 may execute the life event userinterface generation module 610 to cause the processor 525 to allow aninsurance customer explore options (block 1325). The processor 525 mayexecute an automatic life event generation module 750 to cause theprocessor 525 to determine if there are implications to any change basedupon life event data (block 1330). The processor 525 may execute thelife event user interface generation module 610 to cause the processor525 to allow an insurance customer make other changes (block 1335).

The processor 525 may execute the life event presentation module 625 tocause the processor 525 to present a rating implication of midtermchanges (block 1340). The processor 525 may execute the life eventpresentation module 625 to cause the processor 525 to present otherimplications of decisions, effective dates and other policies (block1345). The processor 525 may execute the life event user interfacegeneration module 610 to cause the processor 525 to allow an insurancecustomer make at least one selection (block 1350).

A processor 550 may execute an automatic life event data generationmodule 750 to cause the processor 550 to determine whether insuranceunderwriter review is necessary based upon life event data (block 1355).If the processor 550 determines that insurance underwriter review is notnecessary (block 1360), the processor 525 may execute the life eventuser interface generation module 610 to allow the insurance customer toconfirm the selected option and continue (block 1365). If the processor550 determines that insurance underwriter review is necessary (block1270), the processor 525 may execute the life event user interfacegeneration module 610 to allow the insurance underwriter to reject atleast one option (block 1380) and to send a notification to theinsurance customer of the at least one rejected option (block 1375), toapprove at least one option (block 1385) and to send a notification tothe insurance customer of the at least one approved option (block 1390),and/or to allow the insurance customer to confirm the at least oneselected option and continue (block 1395). The method 1300 may includeadditional, less, or alternate functionality, including that discussedelsewhere herein.

Exemplary Computer-Implemented Method

In one aspect, a computer-implemented method for automaticallygenerating insurance policy data may include automatically receiving, ata processor of a computing device, life event data from an electronicdevice, in response to the processor executing a life event datareceiving module. The life event data may be representative of a lifeevent of an insurance customer. The method may also includeautomatically generating, using a processor of a computing device,insurance policy data, based upon the life event data, in response tothe processor executing an insurance policy data generation module. Theinsurance policy data may be representative of an insurance policyincorporating the life event of the insurance customer.

The life event data may be representative of at least one of: amarriage, a divorce, purchase of a vehicle, sale of a vehicle, a childbirth, an adoption, a change of job, a change of employer, a namechange, purchase of a home, sale of a home, rental of a home, purchaseof personal articles (furs, jewelry, antiques, dining room set,entertainment systems, etc.), a death in the family, health change,and/or other life events, including those discussed elsewhere herein.The insurance policy data may be representative of at least one of: aninsurance policies quote, insurance policy pricing, and/or insurancepolicy discounts.

The life event data may be automatically obtained from the insurancecustomer entering life event information via a user interface of aclient device. The life event data may be automatically obtained from alife event data source with the insured or insurance customer'spermission (such as the insured or insurance customer opts in to aninsurance program that provides insurance recommendations and/or costsavings to the insured or insurance customer based upon certain lifeevents). The life event data source may be at least one of: a bureau ofmotor vehicle data source, a court data source, a municipal data source,an obituary data source, an employment data source, a medical datasource, and/or an adoption data source. The method may includeadditional, less, or alternate actions, including those discussedelsewhere herein.

Exemplary Computer System

In one aspect, a computer system for automatically generating insurancepolicy data may include a life event data receiving module stored on amemory that, when executed by a processor of a computing device, causesthe processor to automatically receive life event data. The life eventdata may be representative of a life event of an insurance customer. Thesystem may also include an insurance policy data generation modulestored on a memory that, when executed by a processor of a computingdevice, may cause the processor to automatically generate insurancepolicy data, based upon the life event data. The insurance policy datamay be representative of an insurance policy incorporating at least onelife event of the insurance customer.

The system may further include a life events user interface modulestored on a memory that, when executed by a processor of a clientdevice, may cause the processor to receive life event data. The systemmay yet further include a life events data transmission module stored ona memory that, when executed by the processor of the client device, maycause the processor to automatically transmit life event data from aprocessor of a client device to a remote computing device. A processorof the remote computing device, executing an insurance policy datageneration module, may generate insurance policy data based upon thelife event data. The life event data receiving module may be stored on amemory of a remote computing device and, a processor of the remotecomputing device, may execute the life event data receiving module toautomatically receive life event data from a life event data source withthe insured's permission. The computer system may include additional,less, or alternate functionality, including that discussed elsewhereherein.

Exemplary Computer-Readable Medium

A non-transitory computer-readable medium storing instructions that,when executed by a processor of a computing device, may cause theprocessor to automatically generate insurance policy data may include alife event data receiving module that, when executed by a processor of acomputing device, may cause the processor to automatically receive lifeevent data. The life event data may be representative of a life event ofan insurance customer. The non-transitory computer-readable medium mayalso include an insurance policy data generation module that, whenexecuted by a processor of a computing device, may cause the processorto automatically generate insurance policy data, based upon the lifeevent data. The insurance policy data may be representative of aninsurance policy incorporating at least one life event of the insurancecustomer.

The non-transitory computer-readable medium may further include a lifeevents user interface module that, when executed by a processor of aclient device, may cause the processor to receive the life event data. Anon-transitory computer-readable medium may yet further include a lifeevents data transmission module that, when executed by the processor ofthe client device, may cause the processor to automatically transmit thelife event data from the processor of the client device to a remotecomputing device. A processor of a remote computing device, executing aninsurance policy data generation module, may generate the insurancepolicy data based upon life events and/or life event data.

A processor of a remote computing device, executing a life event datareceiving module, may automatically receive life event data from a lifeevent data source, such as with the insured's permission and/or opt-into an insurance program that may provide with insurance cost savingsand/or recommendations based upon life events automatically detected ordetermined by computer analysis. A life event data source may be atleast one of: a bureau of motor vehicle data source, a court datasource, a municipal data source, an obituary data source, an employmentdata source, a medical data source, or an adoption data source. Lifeevent data may be representative of at least one of: a marriage, adivorce, purchase of a vehicle, sale of a vehicle, a child birth, anadoption, a change of job, a change of employer, a name change, purchaseof a home, sale of a home, or rental of a home. Insurance policy datamay be representative of at least one of: an insurance policies quote,insurance policy pricing, insurance policy discounts, etc. Execution ofa life event user interface module may cause a processor to display atleast one of: life event information or a life event question, inresponse to an insurance customer life event entry.

Additional Exemplary Computer-Implemented Methods

In one aspect, as shown with respect to FIG. 8, a computer-implementedmethod of updating an insurance policy and/or providing insurance-basedrecommendations may be provided. The method include (1) detecting ordetermining, via one or more processors, a life event associated with anexisting or potential insurance customer has occurred or is about tooccur; (2) automatically updating an insurance rating, via the one ormore processors, based upon the life event and/or determining, via theone or more processors, an impact of the life event upon the existing orpotential insurance customer and/or associated insurance policies(and/or updating, adjusting, or generating, via the one or moreprocessors, an insurance policy, premium, rate, and/or discount basedupon the life event); (3) automatically determining, via the one or moreprocessors, whether to create or generate a new insurance policy and/orupdate or adjust an existing insurance policy; (4) automaticallydetermining, via the one or more processors, if transfer of the new orexisting insurance policy and/or insurance agent reassignment isnecessary or desired based upon the life event and/or a locationassociated with the life event (such as a home address or movelocation); (5) automatically determining, via the one or moreprocessors, if there is a gap in insurance coverage for the existing orpotential insurance customer based upon the life event, and if so,providing recommendations to the existing or potential insurancecustomer that provides insurance coverage for the gap identified thatexists because of the life event; (6) automatically determine, via theone or more processors, if there are cross selling opportunities thatthe existing or potential insurance customer may be interested in;and/or (7) presenting, under the direction or control of the one or moreprocessors, insurance options and/or recommendations to the existing orpotential insurance customer based upon computer analysis of the lifeevent and/or existing insurance coverages and premiums for their review,approval, and/or modifications (such as via wireless communicationand/or data transmission from the one or more processors to a mobiledevice of the existing or potential insurance customer) to facilitateenhancing the customer experience, providing cost savings to insurancecustomers, identifying potential loss exposures, and/or providing moreadequate insurance coverage based upon life events. The method mayinclude additional, less, or alternate actions, including thosediscussed elsewhere herein, and may be implemented via one or more localor remote processors, and/or via computer-executable instructions storedon non-transitory computer-readable medium or media.

For instance, detecting or determining, via one or more processors, alife event associated with an existing or potential insurance customerhas occurred or is about to occur may include and/or involve: (i) theexisting or potential insurance customer contacting an insuranceprovider (such as via telephone or mobile device), and an insuranceprovider representative enters data into a computer system; (ii)automatically detecting or determining, via the one or more processors,an actual life event from computer analysis of data and/or databases,such as DMV or court databases, marriage records, property records,obituaries, online databases, websites, social media, etc.; and/or (iii)automatically predicting, via the one or more processors, a life eventfrom data mining, such as based upon changes in past coverage andincreasing age of insureds and/or family members (such as teenagersbecoming old enough to drive, go to college, get a job, etc.).

In another aspect, a computer-implemented method of updating aninsurance policy and/or providing insurance-based recommendations may beprovided. The method may include (1) detecting or determining, via oneor more processors, a life event associated with an existing orpotential insurance customer has occurred or is about to occur; (2)updating, adjusting, or generating, via the one or more processors, aninsurance policy, premium, rate, and/or discount based upon the lifeevent; (3) automatically determining, via the one or more processors, ifthere is a gap in insurance coverage for the existing or potentialinsurance customer based upon the life event, and if so, generating aninsurance-based recommendation, via the one or more processors, thatprovides insurance coverage for the gap identified; and/or (4) causing,via the one or more processors, the insurance-based recommendationand/or updated insurance policy, premium, rate, and/or discount to bepresented to the existing or potential insurance customer for thereview, approval, or modification (such as via wireless communicationwith an insured's mobile device) to facilitate enhancing the customerexperience, providing cost savings to insurance customers, identifyingpotential and/or new loss exposures, and/or providing more adequateinsurance coverage based upon life events. The method may includeadditional, less, or alternate actions, including those discussedelsewhere herein, and may be implemented via one or more local or remoteprocessors, and/or via computer-executable instructions stored onnon-transitory computer-readable medium or media.

For instance, detecting or determining, via one or more processors, alife event associated with an existing or potential insurance customerhas occurred or is about to occur may include and/or involve: (i) theexisting or potential insurance customer contacting an insuranceprovider, and an insurance provider representative enters data into acomputer system; (ii) automatically detecting or determining, via theone or more processors, an actual life event from computer analysis ofdata and/or databases, such as DMV or court databases, marriage records,property records, obituaries, online databases, websites, social media,etc.; and/or (iii) automatically predicting, via the one or moreprocessors, a life event from data mining, such as based upon changes inpast coverage and increasing age of insureds and/or family members.

The method may also include automatically determining, via the one ormore processors, whether to create or generate a new insurance policyand/or update or adjust an existing insurance policy based upon the lifeevent identified from computer analysis. The method may includeautomatically determining, via the one or more processors, if transferof the new or existing insurance policy and/or insurance agentreassignment is necessary or desired, such as based upon a locationassociated with the life event. The method may include automaticallydetermining, via the one or more processors, if there are cross sellingopportunities that the existing or potential insurance customer may beinterested in based upon the life event.

Other Exemplary Computer-Implemented Methods

In one aspect, a computer-implemented method of updating an insurancepolicy and/or providing insurance-based recommendations may be provided.The method may include (1) detecting or determining, via one or moreprocessors, a life event associated with an existing or potentialinsurance customer has occurred or is about to occur; (2) automaticallydetermining, via the one or more processors, if there is a gap ininsurance coverage or recommended insurance coverage for the existing orpotential insurance customer (or entire lack of appropriate insurance)based upon the life event, and if so, generating an insurance-relatedrecommendation to the existing or potential insurance customer thatprovides insurance coverage for the gap in insurance coverage identifiedthat exists because of the life event; and/or (3) directing orcontrolling, via the one or more processors and wireless communicationor data transmission to a mobile device of the existing or potentialinsurance customer, the presentation of the insurance-relatedrecommendation on a display associated with the mobile device for reviewor approval by the existing or potential insurance customer tofacilitate providing more adequate insurance coverage based upon lifeevents. The method may include additional, less, or alternate actions,including those discussed elsewhere herein, and/or the method may beimplemented via a computer system, communication network, one or moreprocessors, and/or computer-executable instructions stored onnon-transitory storage media or computer-readable medium.

For instance, detecting or determining, via one or more processors, alife event associated with an existing or potential insurance customerhas occurred or is about to occur may include and/or involve:automatically detecting or determining, via the one or more processors,an actual life event from computer analysis of data that includes one ormore data sources selected from among Department of Motor Vehicle data,a court database, publicly available marriage or property records,obituaries, online databases, websites, and/or social media.Additionally or alternatively, detecting or determining, via one or moreprocessors, a life event associated with an existing or potentialinsurance customer has occurred or is about to occur may include and/orinvolve: automatically predicting, via the one or more processors, alife event from data mining, such as based upon changes in pastcoverage, increasing age of an insured or family member, graduation fromhigh school or college, and/or moving to a new address. Further,detecting or determining, via one or more processors, a life eventassociated with an existing or potential insurance customer has occurredor is about to occur may include and/or involve: the existing orpotential insurance customer contacting an insurance provider viatelephone or mobile device, and an insurance provider representativeentering insurance customer-related data into a computer system.

The method may include automatically updating an insurance policy,premium, rating, or discount, via the one or more processors, based uponthe life event; causing, via the one or more processors, the updatedinsurance policy, premium, rating, or discount to be presented on themobile device for review or approval by the existing or potentialinsurance customer; and/or changing billing for the insurance policy,via the one or more processors, to the updated premium or discount.

The method may include automatically determining, via the one or moreprocessors, whether to generate a new insurance policy and/or adjust anexisting insurance policy based upon the life event; and/or causing, viathe one or more processors, the new or updated insurance policy to bepresented on the mobile device for review or approval by the existing orpotential insurance customer. The method may include automaticallydetermining, via the one or more processors, if transfer of an existinginsurance policy and/or insurance agent reassignment should occur basedupon the life event and/or a location associated with the life event.

The method may include automatically determining, via the one or moreprocessors, if there are cross selling opportunities that the existingor potential insurance customer may be interested in; and/or causing,via the one or more processors, the products or services associated withthe cross selling opportunities to be presented on the mobile device forreview or approval by the existing or potential insurance customer,wherein the products or services relate to home or vehicle loans, orauto, home, life, or renters insurance. The cross selling opportunitiesmay also, or alternatively, include financial services, such asretirement and/or education planning.

The insurance-related recommendation may include a lower auto insurancepremium based upon age of the insured and/or marital status of theinsured. The insurance-related recommendation may include an updatedinsurance premium or coverage based upon the life event, and the lifeevent includes a marriage or divorce, buying or selling a vehicle, abirth or adoption, or a change in job or employer.

In one another aspect, a computer-implemented method of updating aninsurance policy and/or providing insurance-based recommendations may beprovided. The method may include: (1) detecting or determining, via oneor more processors, a life event associated with an existing orpotential insurance customer has occurred or is about to occur; (2)updating, adjusting, or generating, via the one or more processors, aninsurance policy, premium, rate, or discount based upon the life event;and/or (3) causing or directing, via the one or more processors, theupdated insurance policy, premium, rate, and/or discount to be presentedto the existing or potential insurance customer for the review,approval, and/or modification via wireless communication or datatransmission with their mobile device to facilitate providing moreadequate insurance coverage based upon life events. The method mayinclude additional, less, or alternate actions, including thosediscussed elsewhere herein, and/or the method may be implemented via acomputer system, communication network, one or more processors, and/orcomputer-executable instructions stored on non-transitory storage mediaor computer-readable medium.

For instance, the method may include automatically determining, via theone or more processors, if there is a gap in insurance coverage orrecommended insurance coverage (or lack of a particular type ofinsurance coverage) for the existing or potential insurance customerbased upon the life event, and if so, generating an insurance-basedrecommendation, via the one or more processors, that provides insurancecoverage for the gap identified and causing the insurance-basedrecommendation to be presented on the mobile device for customer reviewand approval. A gap in insurance coverage, or a lack of a particulartype of insurance coverage, may be determined from computer analysis ofa life event, existing insurance policies and coverages for the insured,and/or other customer-related or other data (such as data related tovaluations of items to be insured, e.g., home, vehicle, personalbelongings, etc).

For example, if it is determined from computer analysis ofcustomer-related and/or other information that an insured has married,or about to marry or have a child, and if the insured has little or nolife insurance, an appropriate level of life insurance may be calculatedfor the insured (such as based upon age, income or net worth, number ofdependents, size of home mortgage (if any), amount of debt, etc.), and acorresponding recommendation may be transmitted to their mobile devicefor their review. On the other hand, if it is determined from computeranalysis of customer-related and/or other information that an insuredhas gotten, or is about to get divorced, a reduction in life insurancemay be appropriate or desirable.

As another example, if it is determined that the insured has gottenmarried or reached a certain age, a reduction in auto insurance premiumor increase in auto insurance discount may be calculated and presentedto the insured. Additionally or alternatively, if it is determined thatthe insured has gotten married, and the insured does not have a personalarticles insurance policy, an appropriate level of coverage for apersonal articles insurance policy may be calculated and presented tothe insured, such as a policy based upon the value of a wedding and/orengagement ring, or other jewelry.

As another example, if it is determined from computer analysis ofcustomer-related and/or other information that an insured has sold avehicle, and/or bought a new vehicle, an adjustment to their autoinsurance premium or discount may be calculated (such as based uponmake, model, mileage, and price information of each vehicle) andprovided to the insured for their review and approval via their mobiledevice. Additionally or alternatively, if it is determined from computeranalysis of customer-related and/or other information that an insuredhas sold a home, and/or bought a new home, an adjustment to theirhomeowners insurance premium or discount may be calculated and providedto the insured for their review and approval via their mobile device. Ifit is determined from computer analysis of customer-related and/or otherinformation that an insured has left one apartment, and/or moved intoanother apartment, an adjustment to their renters insurance premium ordiscount may be calculated and provided to the insured for their reviewand approval via their mobile device.

As other examples, if it is determined from computer analysis ofcustomer-related and/or other information that an insured has adopted anew pet, appropriate pet insurance may be calculated and recommended tothe customer, or that the insured has made a large purchase of personalbelongings, appropriate personal articles insurance may be calculatedand recommend to the customer. Other gaps associated with auto,homeowners, life, renters, pet, burial, personal articles, and/or othertypes of insurance may be identified from computer analysis ofcustomer-related, insurance policy, and/or other information. Forinstance, from the computer analysis, it may be determined that thecustomer has too little or too much of certain type of insurancecoverage, appropriate levels of insurance coverage may be calculated,and recommendations may be transmitted to the insured for their review(such as on their mobile device). Gaps may also, or alternatively,include financial services, such as retirement and/or educationplanning.

Detecting or determining, via one or more processors, a life eventassociated with an existing or potential insurance customer has occurredor is about to occur may include and/or involve: the existing orpotential insurance customer contacting an insurance provider, and/or aninsurance provider representative enters insurance customer-related datainto a computer system. Detecting or determining, via one or moreprocessors, a life event associated with an existing or potentialinsurance customer has occurred or is about to occur may include and/orinvolve: automatically detecting or determining, via the one or moreprocessors, an actual life event from computer analysis of a court,marriage, or property database, the internet, social media, websites,and/or an online database. Additionally or alternatively, detecting ordetermining, via one or more processors, a life event associated with anexisting or potential insurance customer has occurred or is about tooccur may include and/or involve: automatically predicting, via the oneor more processors, a life event from data mining and based upon changesin past coverage, new address, marital status, and/or an increasing ageof an insured or family member.

The method may include automatically determining, via the one or moreprocessors, whether to create or generate a new insurance policy and/orupdate or adjust an existing insurance policy based upon the life eventidentified from computer analysis, the life event including a marriage,divorce, move, new job, new vehicle, or new home, and the insurancepolicy is associated with life, auto, home, or personal articlesinsurance. The method may include automatically determining, via the oneor more processors, if transfer of the new or existing insurance policyor if insurance agent reassignment is desirable based upon the lifeevent or a location associated with the life event.

The method may include automatically determining, via the one or moreprocessors, if there are cross selling opportunities that the existingor potential insurance customer may be interested in based upon the lifeevent; and/or causing, via the one or more processors, the products orservices associated with the cross selling opportunities to be presentedon the mobile device for review or approval by the existing or potentialinsurance customer, wherein the products or services relate to home orvehicle loans, or auto, home, life, renters, or personal articlesinsurance.

Exemplary Computer System

In one aspect, a computer system configured for updating an insurancepolicy and/or providing insurance-based recommendations may be provided.The computer system may include one or more processors configured to:(1) detect or determine a life event associated with an existing orpotential insurance customer has occurred or is about to occur, such asby analyzing insurance policy data and other data associated with acustomer (for instance, by analyzing income, address, or ageinformation); (2) automatically determine if there is a gap in insurancecoverage or recommended insurance coverage (or lack of an appropriatetype of insurance) for the existing or potential insurance customerbased upon computer analysis of the life event and/or existing insurancecoverages and premiums, and if so, generating an insurance-relatedrecommendation for the existing or potential insurance customer thatprovides insurance coverage for the gap identified that exists becauseof the life event; and/or (3) cause the insurance-related recommendationto be presented on a display of a mobile device associated with theexisting or potential insurance customer for their review, approval,and/or modification via wireless communication and/or data transmissionto facilitate providing more adequate insurance coverage based upon lifeevents. The computer system may include additional, less, or alternatefunctionality, including that discussed elsewhere herein, and may beimplemented via computer-executable instructions stored onnon-transitory computer-readable medium or media.

For instance, the one or more processors may be further configured to:automatically update an insurance policy, premium, rating, and/ordiscount based upon the life event or otherwise determine an impact ofthe life event upon the existing or potential insurance customer or anassociated insurance policy; and/or cause the updated insurance policy,premium, rating, and/or discount to be presented on the mobile devicedisplay screen for review or approval by the existing or potentialinsurance customer.

The one or more processors may be further configured to: automaticallydetermine whether to create or generate a new insurance policy and/orupdate or adjust an existing insurance policy; automatically determineif transfer of the new or existing insurance policy and/or insuranceagent reassignment is necessary or desired based upon the life eventand/or a location associated with the life event; and/or automaticallydetermine if there are cross selling opportunities that the existing orpotential insurance customer may be interested in, such as based uponstored customer preferences.

Detecting or determining, via the one or more processors, a life eventassociated with an existing or potential insurance customer has occurredor is about to occur may include and/or involve: (i) the existing orpotential insurance customer contacting an insurance provider (such asvia telephone or mobile device), and an insurance providerrepresentative entering data into the computer system; (ii)automatically detecting or determining, via the one or more processors,an actual life event from computer analysis of data and/or databases,such as DMV or court databases, marriage records, property records,obituaries, online databases, websites, or social media; and/or (iii)automatically predicting, via the one or more processors, a life eventfrom data mining, such as based upon changes in past coverage andincreasing age of insureds and/or family members (such as teenagersbecoming old enough to drive, go to college, get a job, etc.).

The computer system and/or associated processors may perform computeranalysis on customer-related, insurance policy, and/or other informationto identity gaps associated with auto, homeowners, life, renters, pet,burial, personal articles, and/or other types of insurance. Forinstance, from the computer analysis, the computer system may determinethat the customer has too little or too much of certain type ofinsurance coverage, calculate appropriate levels of insurance coverage,generate recommendations, and transmit the recommendations via wirelesscommunication and data transmission to an insured's mobile device forthe insured's review, modification, or approval.

Additional Exemplary Computer Systems

In one aspect, a computer system configured for updating an insurancepolicy and/or providing insurance-based recommendations may be provided.The computer system may include one or more processors configured to:(1) detect or determine a life event associated with an existing orpotential insurance customer has occurred or is about to occur; (2)automatically update an insurance rating based upon the life eventand/or determine an impact of the life event upon the existing orpotential insurance customer and/or associated insurance policies(and/or updating, adjusting, or generating, via the one or moreprocessors, an insurance policy, premium, rate, and/or discount basedupon the life event); (3) automatically determine whether to create orgenerate a new insurance policy and/or update or adjust an existinginsurance policy; (4) automatically determine if transfer of the new orexisting insurance policy and/or insurance agent reassignment isnecessary or desired based upon the life event and/or a locationassociated with the life event; (5) automatically determine if there isa gap in insurance coverage for the existing or potential insurancecustomer based upon the life event, and if so, providing recommendationsto the existing or potential insurance customer that provides insurancecoverage for the gap identified that exists because of the life event;(6) automatically determine if there are cross selling opportunitiesthat the existing or potential insurance customer may be interested in;and/or (7) present, under the direction or control of the one or moreprocessors, insurance options and/or recommendations to the existing orpotential insurance customer based upon computer analysis of the lifeevent and/or existing insurance coverages and premiums for their review,approval, and/or modifications (such as via wireless communicationand/or data transmission from the one or more processors to a mobiledevice of the existing or potential insurance customer) to facilitateenhancing the customer experience, providing cost savings to insurancecustomers, identifying potential loss exposures, and/or providing moreadequate insurance coverage based upon life events. Detecting ordetermining, via one or more processors, a life event associated with anexisting or potential insurance customer has occurred or is about tooccur includes and/or may involve: (i) the existing or potentialinsurance customer contacting an insurance provider (such as viatelephone or mobile device), and an insurance provider representativeenters data into a computer system; (ii) automatically detecting ordetermining, via the one or more processors, an actual life event fromcomputer analysis of data and/or databases, such as DMV or courtdatabases, marriage records, property records, obituaries, onlinedatabases, websites, social media, etc.; and/or (iii) automaticallypredicting, via the one or more processors, a life event from datamining, such as based upon changes in past coverage and increasing ageof insureds and/or family members (such as teenagers becoming old enoughto drive, go to college, get a job, etc.).

In another aspect, a computer system configured for updating aninsurance policy and/or providing insurance-based recommendations may beprovided. The computer system may include one or more processorsconfigured to: (1) detect or determine a life event associated with anexisting or potential insurance customer has occurred or is about tooccur; (2) update, adjust, or generate an insurance policy, premium,rate, and/or discount based upon the life event; (3) automaticallydetermine if there is a gap in insurance coverage for the existing orpotential insurance customer based upon the life event, and if so,generate an insurance-based recommendation that provides insurancecoverage for the gap identified; and/or (4) causing the insurance-basedrecommendation and/or updated insurance policy, premium, rate, and/ordiscount to be presented to the existing or potential insurance customerfor the review, approval, or modification (such as via wirelesscommunication with an insured's mobile device) to facilitate enhancingthe customer experience, providing cost savings to insurance customers,identifying potential and/or new loss exposures, and/or providing moreadequate insurance coverage based upon life events.

Detecting or determining a life event associated with an existing orpotential insurance customer has occurred or is about to occur mayinclude and/or involve: (i) the existing or potential insurance customercontacting an insurance provider, and an insurance providerrepresentative enters data into a computer system; (ii) automaticallydetecting or determining, via the one or more processors, an actual lifeevent from computer analysis of data and/or databases, such as DMV orcourt databases, marriage records, property records, obituaries, onlinedatabases, websites, social media, etc.; and/or (iii) automaticallypredicting, via the one or more processors, a life event from datamining, such as based upon changes in past coverage and increasing ageof insureds and/or family members.

The one or more processors may be further configured to: automaticallydetermine whether to create or generate a new insurance policy and/orupdate or adjust an existing insurance policy based upon the life eventidentified from computer analysis. The one or more processors may befurther configured to: automatically determine if transfer of the new orexisting insurance policy and/or insurance agent reassignment isnecessary or desired, such as based upon the life event and/or alocation associated with the life event. The one or more processors maybe further configured to: automatically determine if there are crossselling opportunities that the existing or potential insurance customermay be interested in based upon the life event.

The foregoing computer systems and/or processors may include additional,less, or alternate functionality, including that discussed elsewhereherein, and/or may be implemented via computer-executable instructionsstored on non-transitory computer-readable media or medium.

This detailed description is to be construed as exemplary only and doesnot describe every possible embodiment, as describing every possibleembodiment would be impractical, if not impossible. One could implementnumerous alternate embodiments, using either current technology ortechnology developed after the filing date of this application.

What is claimed is:
 1. A computer-implemented method of updating an insurance policy and/or providing insurance-based recommendations, the method comprising: detecting or determining, via one or more processors, a life event, associated with an insurance customer, that has occurred or that is about to occur, wherein the life event includes a change in State of residency of the insurance customer, and wherein the State of residency requires a State specific insurance product license; automatically determining, via the one or more processors, if there is, or will be, a gap in insurance coverage for the insurance customer based upon the life event that includes the change in State of residency of the insurance customer, wherein the gap in insurance coverage for the insurance customer is due to the State specific insurance product license for an original State of residency of the insurance customer not being valid in a changed State of residency of the insurance customer, and if so, generating an insurance-based recommendation, via the one or more processors, that provides insurance coverage for the gap identified including coverage for a new State of residency of the insurance customer; updating, adjusting, or generating, via the one or more processors, an insurance policy, premium, rate, and/or discount in response to the one or more processors determining that there is, or will be, a gap in insurance coverage for the insurance customer; and causing, via the one or more processors, the insurance-based recommendation and/or updated insurance policy, premium, rate, and/or discount to be presented to the insurance customer for the review, approval, or modification via wireless communication with an insured's mobile device to facilitate providing additional insurance coverage to insurance customers based upon life events.
 2. The computer-implemented method of claim 1, wherein detecting or determining, via one or more processors, that the life event associated with the insurance customer has occurred includes and/or involves: (i) the insurance customer contacting an insurance provider, and an insurance provider representative enters data into a computer system that is indicative of a life event; (ii) automatically detecting or determining, via the one or more processors, an actual life event from computer analysis of data and/or databases, such as DMV or court databases, marriage records, property records, obituaries, online databases, websites, social media, etc.; or (iii) automatically predicting, via the one or more processors, a life event from data mining, such as based upon changes in past coverage and increasing age of insureds and/or family members.
 3. The computer-implemented method of claim 1, the method comprising: automatically determining, via the one or more processors, whether to create or generate a new insurance policy and/or update or adjust an existing insurance policy based upon the life event identified from computer analysis.
 4. The computer-implemented method of claim 1, the method comprising: automatically determining, via the one or more processors, if transfer of the new or existing insurance policy and/or insurance agent reassignment is necessary or desired, such as based upon the life event and/or a location associated with the life event.
 5. The computer-implemented method of claim 1, the method comprising: automatically determining, via the one or more processors, if there are cross selling opportunities that the insurance customer may be interested in based upon the life event.
 6. A computer-implemented method of updating an insurance policy and/or providing insurance-based recommendations, the method comprising: detecting or determining, via one or more processors, a life event associated with an insurance customer, that has occurred or that is about to occur, wherein the life event includes a change in State of residency of the insurance customer, and wherein the State of residency requires a State specific insurance product license; automatically determining, via the one or more processors, if there will be a gap in insurance coverage or recommended insurance coverage, or a lack of an appropriate type of insurance coverage, for the insurance customer based upon the life event, wherein the gap in insurance coverage or recommended insurance coverage, or the lack of appropriate type of insurance coverage, for the insurance customer is due to the State specific insurance product license for an original State of residency of the insurance customer not being valid in a changed State of residency of the insurance customer, and if so, generating an insurance-related recommendation to the insurance customer that provides insurance coverage for the gap in insurance coverage, or the lack of appropriate insurance coverage, identified that will exist because of the life event including insurance coverage for a new State of residency of the insurance customer; and directing or controlling, via the one or more processors and wireless communication or data transmission to a mobile device of the insurance customer, the presentation of the insurance-related recommendation on a display associated with the mobile device for review or approval by the insurance customer to facilitate providing additional insurance coverage based upon life events.
 7. The computer-implemented method of claim 6, wherein predicting, via one or more processors, the life event associated with the insurance customer that is about to occur includes and/or involves: automatically detecting or determining, via the one or more processors, a life event from computer analysis of data that includes one or more data sources selected from among Department of Motor Vehicle data, a court database, publicly available marriage or property records, obituaries, online databases, websites, and/or social media.
 8. The computer-implemented method of claim 6, wherein predicting, via one or more processors, that a life event associated with the insurance customer is about to occur includes and/or involves: automatically predicting, via the one or more processors, a life event from data mining, such as based upon changes in past coverage, increasing age of an insured or family member, graduation from high school or college, and/or moving to a new address.
 9. The computer-implemented method of claim 6, wherein predicting, via one or more processors, a life event associated with an existing or potential insurance customer has occurred or is about to occur includes and/or involves: the insurance customer contacting an insurance provider via telephone or mobile device, and an insurance provider representative entering insurance customer-related data into a computer system that is indicative of an impending life event.
 10. The computer-implemented method of claim 6, the method comprising: automatically updating an insurance policy, premium, rating, or discount, via the one or more processors, based upon the life event; causing, via the one or more processors, the updated insurance policy, premium, rating, or discount to be presented on the mobile device for review or approval by the insurance customer; and changing billing for the insurance policy, via the one or more processors, to the updated premium or discount.
 11. The computer-implemented method of claim 6, the method comprising: automatically determining, via the one or more processors, whether to generate a new insurance policy and/or adjust an existing insurance policy based upon the life event; and causing, via the one or more processors, the new or updated insurance policy to be presented on the mobile device for review or approval by the insurance customer.
 12. The computer-implemented method of claim 6, the method comprising: automatically determining, via the one or more processors, if transfer of an existing insurance policy and/or insurance agent reassignment should occur based upon the life event and/or a location associated with the life event.
 13. The computer-implemented method of claim 6, the method comprising: automatically determining, via the one or more processors, if there are cross selling opportunities that the insurance customer may be interested in; and causing, via the one or more processors, the products or services associated with the cross selling opportunities to be presented on the mobile device for review or approval by the insurance customer, wherein the products or services relate to home or vehicle loans, or auto, home, life, or renters insurance.
 14. The computer-implemented method of claim 6, wherein the insurance-related recommendation includes a lower auto insurance premium based upon age of the insurance customer and/or marital status of the insurance customer.
 15. The computer-implemented method of claim 6, wherein the insurance-related recommendation includes an updated insurance premium or coverage based upon the life event, and the life event includes a marriage or divorce, buying or selling a vehicle, a birth or adoption, or a change in job or employer.
 16. A computer-implemented method of updating an insurance policy and/or providing insurance-based recommendations, the method comprising: detecting or determining, via one or more processors, a life event associated with an insurance customer, that has occurred or that is about to occur, wherein the life event includes a change in State of residency of the insurance customer, and wherein the State of residency requires a State specific insurance product license; updating, adjusting, or generating, via the one or more processors, an insurance policy, premium, rate, or discount based upon the life event including an adjustment based on a new State of residency of the insured customer, wherein the adjustment is based on a difference between an original State specific insurance product license for an original State of residency of the insurance customer and a new State specific insurance product license for the new State of residency of the insurance customer; and causing or directing, via the one or more processors, the updated insurance policy, premium, rate, and/or discount to be presented to the insurance customer for the review, approval, and/or modification via wireless communication or data transmission with their mobile device to facilitate providing more adequate insurance coverage based upon life events.
 17. The computer-implemented method of claim 16, the method further comprising: generating an insurance-based recommendation, via the one or more processors, that provides insurance coverage for a gap identified and causing the insurance-based recommendation to be presented on the mobile device for customer review and approval.
 18. The computer-implemented method of claim 16, wherein predicting via one or more processors, the life event associated with the insurance customer that is about to occur includes and/or involves: the insurance customer contacting an insurance provider, and/or an insurance provider representative enters insurance customer-related data into a computer system that is indicative of an impending life event.
 19. The computer-implemented method of claim 16, wherein predicting via one or more processors, a life event associated with the insurance customer that is about to occur includes and/or involves: automatically receiving, via the one or more processors, life event data from computer analysis of a court, marriage, or property database, the internet, social media, websites, and/or an online database.
 20. The computer-implemented method of claim 16, wherein predicting, via one or more processors, a life event associated with the insurance customer that is about to occur includes and/or involves: automatically predicting, via the one or more processors, a life event from data mining, with the customer's permission, and based upon changes in past coverage, new address, marital status, and/or an increasing age of an insured or family member. 